{"id":68258,"date":"2021-05-27T14:49:27","date_gmt":"2021-05-27T12:49:27","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=68258"},"modified":"2026-03-11T17:32:07","modified_gmt":"2026-03-11T16:32:07","slug":"pengepodden-portefoljebygging-og-pensjonssparing-i-lavrentetider","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-portefoljebygging-og-pensjonssparing-i-lavrentetider\/","title":{"rendered":"#pengepodden &#8211; Portef\u00f8ljebygging og pensjonssparing i lavrentetider"},"content":{"rendered":"\n<p>I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k i studio av Lars Haram, investeringsdirekt\u00f8r i Oslo Pensjonsforsikring. Tema er pensjonssparing i lavrentetider og portef\u00f8ljebygging.<\/p>\n\n\n\n<iframe title='Embed Player' width='100%' height='188px' src='https:\/\/embed.acast.com\/61653f7433ffb500132c0775\/61653f807a87fd001246dacd' scrolling='no' frameborder='0' style='border:none;overflow:hidden;'><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<p>Lars har ansvaret for \u00e5 forvalte tjenestepensjonen til ansatte og tidligere ansatte i Oslo kommune. Totalt utgj\u00f8r forvaltningskapitalen over 110 milliarder kroner. Dette er en ytelsespensjonsordning med garantert avkastning \/ ytelse. Forvaltningen er dermed mer konservativ enn en ikke-garantert innskuddspensjonsordning, hvor de ansatte selv tar risikoen for verdiutviklingen.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"806\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-1024x806.jpg\" alt=\"\" class=\"wp-image-68273\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-1024x806.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-620x488.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-150x118.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-768x604.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-1536x1209.jpg 1536w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-2048x1612.jpg 2048w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-370x291.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-270x212.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-570x449.jpg 570w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/DSC_0186-v2-740x582.jpg 740w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>F.v Lars Haram og Bj\u00f8rn Erik S\u00e6ttem<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Investeringsstrategien til Oslo Pensjonsforsikring<\/h2>\n\n\n\n<p>(fra 04:19) Lars forteller at portef\u00f8ljen til Oslo Pensjonsforsikring best\u00e5r av ca 50 % renter og 50 % realaktiva. Sistnevnte fordeler seg p\u00e5 20 % b\u00f8rsnoterte aksjer og aksjefond, 10 % unoterte aksjer og fond og ca 20 % eiendom og infrastruktur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"461\" height=\"465\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/kakediagram-OPF.jpg\" alt=\"Kakediagrammet viser sammensetningen portef\u00f8ljen til Oslo Pensjonsforsikring per 31.12.20.\n\nAmortiserte kost, l\u00e5n og obligasjoner (21%), IG L\u00e5n og obligasjoner (12 %), HY L\u00e5n og Obligasjoner (9%), Eiendom og infrastruktur (19%),Illikvide aksjer og fond (10%), Likvide aksjer og fond (20%), pengemarked og bank (7%), Hedgefond og annet (2%).\" class=\"wp-image-68263\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/kakediagram-OPF.jpg 461w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/kakediagram-OPF-150x150.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/kakediagram-OPF-370x373.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2021\/05\/kakediagram-OPF-270x272.jpg 270w\" sizes=\"auto, (max-width: 461px) 100vw, 461px\" \/><\/figure>\n\n\n\n<p><em>Kakediagrammet over viser sammensetningen portef\u00f8ljen til Oslo Pensjonsforsikring per 31.12.20.<\/em><\/p>\n\n\n\n<p>Fallende renter er en utfordring for alle pensjonsleverand\u00f8rer og alle som sparer til pensjon. Med dagens lave renter gir renteportef\u00f8ljen lite bidrag til \u00e5 skape avkastning p\u00e5 pensjonsmidlene.Lars forteller hvordan de angriper denne utfordringen.<\/p>\n\n\n\n<p>Oslo Pensjonsforsikring har hatt en meget konkurransedyktig avkastning p\u00e5 sin garanterte pensjonsportef\u00f8lje. En \u00e5rsak er h\u00f8yere soliditet og h\u00f8yere solvenskapitaldekning som gj\u00f8r at de kan ta h\u00f8yere risiko, forteller Lars.<\/p>\n\n\n\n<p>I januar 2020, rett f\u00f8r coronakrisen kom, mente Lars og hans team at aksjemarkedet var h\u00f8yt verdsatt. De reduserte derfor aksjeandelen i portef\u00f8ljen p\u00e5 et veldig gunstig tidspunkt. De rakk ogs\u00e5 \u00e5 vekte opp aksjeandelen p\u00e5 lavere kurser noen m\u00e5neder senere. Bj\u00f8rn Erik og Lars diskuterer hvorvidt dette var flaks eller dyktighet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indeks vs aktiv &amp; vekst vs verdi<\/h2>\n\n\n\n<p>(fra 33:15) Bj\u00f8rn Erik roser Lars for \u00e5penheten til Oslo Pensjonsforsikring. I<a href=\"https:\/\/www.opf.no\/globalassets\/filer\/finansielle-rapporter\/2020\/arsrapport\/arsrapport-oslo-pensjonsforsikring-2020.pdf\" rel=\"noopener\"> \u00e5rsrapporten<\/a> er alle enkeltaksjer og fond i portef\u00f8ljen listet opp.<\/p>\n\n\n\n<p>Pensjonskassen har en blanding av aktive aksjefond og indeksfond. N\u00e5r \u2013 og i hvilke markeder &#8211; velger dere aktive fond og n\u00e5r velger dere indeksfond, sp\u00f8r Bj\u00f8rn Erik.<\/p>\n\n\n\n<p>Vekst vs verdiaksjer diskuterer ogs\u00e5. Det siste \u00e5ret har pensjonskassen g\u00e5tt fra en veksttilit til en verditilt, dels grunnet \u00f8kte renter.<\/p>\n\n\n\n<p>De to st\u00f8rste st\u00f8rste fondsinvesteringene innenfor aktive aksjefond er Skagen KonTiki og Nordea Stabile Aksjer Global Etisk, med ca 1 mrd kr i hver. Hvorfor akkurat disse fondene, sp\u00f8r Bj\u00f8rn Erik.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ulike strategier for rebalansering<\/h2>\n\n\n\n<p>(fra 55:46) Lars har regnet mye p\u00e5 ulike rebalanseringsstrategier. Rebalansering betyr \u201dnullstilling\u201d av portef\u00f8ljen p\u00e5 visse tidspunkt. Bj\u00f8rn Erik sp\u00f8r om det finnes en optimal rebalanseringsstrategi. Nei, mener Lars. Det viktigste er \u00e5 ha en fornuftig regel. Oslo Pensjonsforsikring har ingen absolutte rebalanseringsregler p\u00e5 prosentvis aksjeandel, men de har rebalanseringsm\u00e5l basert p\u00e5 risiko \u2013 p\u00e5 hvor stort verdifall portef\u00f8ljen t\u00e5ler.<\/p>\n\n\n\n<p>Rebalansering mellom aksjer og renter er velkjent, og dette gir som regel en bedre risikojustert avkastning. Men er det like gode grunner for \u00e5 rebalansere mellom regioner i en ren aksjefondsportef\u00f8lje, sp\u00f8r Bj\u00f8rn Erik. Neppe, svarer Lars.<\/p>\n\n\n\n<p>#pengepodden &#8211; <a href=\"https:\/\/www.nordnet.no\/blogg\/pengepodden-psykologi-og-penger-med-hallgeir-kvadsheim\/\" class=\"rank-math-link\">Psykologi og penger &#8211; med Hallgeir Kvadsheim<\/a><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\">Abonner via RSS<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" target=\"_blank\" rel=\"noreferrer noopener\">Abonner via iTunes<\/a><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/open.spotify.com\/show\/0mXSVGfhkKBxYTj638hjoj\" target=\"_blank\">Spotify<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k i studio av Lars Haram, investeringsdirekt\u00f8r i Oslo Pensjonsforsikring. Tema er pensjonssparing i lavrentetider og portef\u00f8ljebygging. Lars har ansvaret for \u00e5 forvalte tjenestepensjonen til ansatte og tidligere ansatte i Oslo kommune. Totalt utgj\u00f8r forvaltningskapitalen over 110 milliarder kroner. Dette er en ytelsespensjonsordning med garantert avkastning \/ ytelse. Forvaltningen [&hellip;]<\/p>\n","protected":false},"author":20033,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[6463],"tags":[437,3962],"class_list":["post-68258","post","type-post","status-publish","format-audio","hentry","category-pengepodden","tag-pensjon","tag-toppsak","post_format-post-format-audio"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2020\/02\/Banner-Pengepodden-1024x400-1-150x59.png","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2020\/02\/Banner-Pengepodden-1024x400-1-150x59.png 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